HarborOne Bancorp (HONE) Competitors

Community Trust Bancorp (NASDAQ:CTBI) and HarborOne Bancorp (NASDAQ:HONE) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, risk, institutional ownership, dividends, earnings, analyst recommendations, media sentiment and profitability.

Is CTBI or HONE more profitable?

Community Trust Bancorp has a net margin of 23.33% compared to HarborOne Bancorp's net margin of 8.43%. Community Trust Bancorp's return on equity of 11.77% beat HarborOne Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Community Trust Bancorp	23.33%	11.77%	1.47%
HarborOne Bancorp	8.43%	4.66%	0.47%

Do analysts prefer CTBI or HONE?

Community Trust Bancorp currently has a consensus target price of $64.50, suggesting a potential upside of 17.23%. HarborOne Bancorp has a consensus target price of $13.00, suggesting a potential downside of 6.27%. Given Community Trust Bancorp's stronger consensus rating and higher probable upside, equities analysts plainly believe Community Trust Bancorp is more favorable than HarborOne Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Trust Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
HarborOne Bancorp	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.50

Do insiders & institutionals have more ownership in CTBI or HONE?

60.2% of Community Trust Bancorp shares are owned by institutional investors. Comparatively, 65.0% of HarborOne Bancorp shares are owned by institutional investors. 4.3% of Community Trust Bancorp shares are owned by insiders. Comparatively, 4.8% of HarborOne Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Which has better earnings and valuation, CTBI or HONE?

Community Trust Bancorp has higher earnings, but lower revenue than HarborOne Bancorp. Community Trust Bancorp is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Trust Bancorp	$264.82M	3.76	$82.81M	$5.08	10.83
HarborOne Bancorp	$318.33M	1.88	$27.41M	$0.65	21.34

Does the media prefer CTBI or HONE?

In the previous week, Community Trust Bancorp had 1 more articles in the media than HarborOne Bancorp. MarketBeat recorded 4 mentions for Community Trust Bancorp and 3 mentions for HarborOne Bancorp. Community Trust Bancorp's average media sentiment score of 1.23 beat HarborOne Bancorp's score of 0.20 indicating that Community Trust Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Community Trust Bancorp	2 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
HarborOne Bancorp	0 Very Positive mention(s)	2 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is CTBI or HONE a better dividend stock?

Community Trust Bancorp pays an annual dividend of $2.12 per share and has a dividend yield of 3.9%. HarborOne Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.6%. Community Trust Bancorp pays out 41.7% of its earnings in the form of a dividend. HarborOne Bancorp pays out 55.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Trust Bancorp has raised its dividend for 44 consecutive years and HarborOne Bancorp has raised its dividend for 5 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more volatility and risk, CTBI or HONE?

Community Trust Bancorp has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500. Comparatively, HarborOne Bancorp has a beta of 0.61, suggesting that its stock price is 39% less volatile than the S&P 500.

Summary

Community Trust Bancorp beats HarborOne Bancorp on 14 of the 20 factors compared between the two stocks.